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Federal Relief For Home Owners
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Book Synopsis Well Worth Saving by : Price V. Fishback
Download or read book Well Worth Saving written by Price V. Fishback and published by University of Chicago Press. This book was released on 2013-10-04 with total page 190 pages. Available in PDF, EPUB and Kindle. Book excerpt: The urgent demand for housing after World War I fueled a boom in residential construction that led to historic peaks in home ownership. Foreclosures at the time were rare, and when they did happen, lenders could quickly recoup their losses by selling into a strong market. But no mortgage system is equipped to deal with credit problems on the scale of the Great Depression. As foreclosures quintupled, it became clear that the mortgage system of the 1920s was not up to the task, and borrowers, lenders, and real estate professionals sought action at the federal level. Well Worth Saving tells the story of the disastrous housing market during the Great Depression and the extent to which an immensely popular New Deal relief program, the Home Owners’ Loan Corporation (HOLC), was able to stem foreclosures by buying distressed mortgages from lenders and refinancing them. Drawing on historical records and modern statistical tools, Price Fishback, Jonathan Rose, and Kenneth Snowden investigate important unanswered questions to provide an unparalleled view of the mortgage loan industry throughout the 1920s and early ’30s. Combining this with the stories of those involved, the book offers a clear understanding of the HOLC within the context of the housing market in which it operated, including an examination of how the incentives and behaviors at play throughout the crisis influenced the effectiveness of policy. More than eighty years after the start of the Great Depression, when politicians have called for similar programs to quell the current mortgage crisis, this accessible account of the Home Owners’ Loan Corporation holds invaluable lessons for our own time.
Book Synopsis Race for Profit by : Keeanga-Yamahtta Taylor
Download or read book Race for Profit written by Keeanga-Yamahtta Taylor and published by UNC Press Books. This book was released on 2019-09-03 with total page 364 pages. Available in PDF, EPUB and Kindle. Book excerpt: LONGLISTED FOR THE 2019 NATIONAL BOOK AWARD FINALIST, 2020 PULITZER PRIZE IN HISTORY By the late 1960s and early 1970s, reeling from a wave of urban uprisings, politicians finally worked to end the practice of redlining. Reasoning that the turbulence could be calmed by turning Black city-dwellers into homeowners, they passed the Housing and Urban Development Act of 1968, and set about establishing policies to induce mortgage lenders and the real estate industry to treat Black homebuyers equally. The disaster that ensued revealed that racist exclusion had not been eradicated, but rather transmuted into a new phenomenon of predatory inclusion. Race for Profit uncovers how exploitative real estate practices continued well after housing discrimination was banned. The same racist structures and individuals remained intact after redlining's end, and close relationships between regulators and the industry created incentives to ignore improprieties. Meanwhile, new policies meant to encourage low-income homeownership created new methods to exploit Black homeowners. The federal government guaranteed urban mortgages in an attempt to overcome resistance to lending to Black buyers – as if unprofitability, rather than racism, was the cause of housing segregation. Bankers, investors, and real estate agents took advantage of the perverse incentives, targeting the Black women most likely to fail to keep up their home payments and slip into foreclosure, multiplying their profits. As a result, by the end of the 1970s, the nation's first programs to encourage Black homeownership ended with tens of thousands of foreclosures in Black communities across the country. The push to uplift Black homeownership had descended into a goldmine for realtors and mortgage lenders, and a ready-made cudgel for the champions of deregulation to wield against government intervention of any kind. Narrating the story of a sea-change in housing policy and its dire impact on African Americans, Race for Profit reveals how the urban core was transformed into a new frontier of cynical extraction.
Download or read book Fair Housing written by and published by . This book was released on 2002 with total page 20 pages. Available in PDF, EPUB and Kindle. Book excerpt:
Download or read book Basis of Assets written by and published by . This book was released on 1993 with total page 20 pages. Available in PDF, EPUB and Kindle. Book excerpt:
Book Synopsis Hazard Mitigation Grant Program Desk Reference (FEMA 345) by : Federal Emergency Management Agency
Download or read book Hazard Mitigation Grant Program Desk Reference (FEMA 345) written by Federal Emergency Management Agency and published by Createspace Independent Pub. This book was released on 2013-02-01 with total page 236 pages. Available in PDF, EPUB and Kindle. Book excerpt: FEMA's Hazard Mitigation Grant Program is a powerful resource in the combined effort by Federal, State, and local government, as well as private industry and homeowners, to end the cycle of repetitive disaster damage. The Robert T. Stafford Disaster Relief and Emergency Assistance Act was passed on November 23, 1988, amending Public Law 93-288, the Disaster Relief Act of 1974. The Stafford Act included Section 404, which established the Hazard Mitigation Grant Program. In 1993, the Hazard Mitigation and Relocation Act amended Section 404 to increase the amount of HMGP funds available and the cost-share to 75 percent Federal. This amendment also encouraged the use of property acquisition and other non-structural flood mitigation measures. In an effort to streamline HMGP delivery, FEMA encourages States to develop their mitigation programs before disaster strikes. States are adopting a more active HMGP management role. Increased capabilities may include: Conducting comprehensive all-hazard mitigation planning prior to disaster events; Providing applicants technical assistance on sound mitigation techniques and hazard mitigation policy and procedures; Coordinating mitigation programs through interagency teams or councils. Conducting benefit-cost analyses; and Preparing National Environmental Policy Act reviews for FEMA approval. States that integrate the HMGP with their frequently updated State Administrative and Hazard Mitigation Plans will create cohesive and effective approaches to loss reduction. This type of coordinated approach minimizes the distinction between “predisaster” and “post-disaster” time periods, and instead produces an ongoing mitigation effort. Hazard mitigation is any sustained action taken to reduce or eliminate long-term risk to people and property from natural hazards and their effects. A key purpose of the HMGP is to ensure that the opportunity to take critical mitigation measures to protect life and property from future disasters is not lost during the recovery and reconstruction process following a disaster. Program grant funds available under Section 404 of the Stafford Act provide States with the incentive and capability to implement mitigation measures that previously may have been infeasible. The purpose of this Desk Reference is to: Provide comprehensive information about FEMA's Hazard Mitigation Grant Program (HMGP); Increase awareness of the HMGP as an integral part of statewide hazard mitigation efforts; and Encourage deeper commitments and increased responsibilities on the part of all States and communities to reduce damage and losses from natural disasters. This Desk Reference is organized to simplify program information and assist the reader with practical guidance for successful participation in the program. Lists of program-related acronyms and definitions are included, along with appendices that amplify selected aspects of the HMGP. This Desk Reference is organized into 14 sections, each of which presents a major HMGP subject area. In each section, information is presented on the right side of the page. In several sections, job aids containing supplemental material are provided. The job aids for each section can be found at the end of the section. At the front of each section, there is a detailed table of contents to help you locate specific information.
Book Synopsis Individual retirement arrangements (IRAs) by : United States. Internal Revenue Service
Download or read book Individual retirement arrangements (IRAs) written by United States. Internal Revenue Service and published by . This book was released on 1990 with total page 284 pages. Available in PDF, EPUB and Kindle. Book excerpt:
Download or read book Medical and Dental Expenses written by and published by . This book was released on 1990 with total page 20 pages. Available in PDF, EPUB and Kindle. Book excerpt:
Book Synopsis Home Owner Associations and Planned Unit Developments, Law and Practice by : Patrick J. Rohan
Download or read book Home Owner Associations and Planned Unit Developments, Law and Practice written by Patrick J. Rohan and published by . This book was released on 1977 with total page pages. Available in PDF, EPUB and Kindle. Book excerpt:
Book Synopsis Catalogue of the Public Documents of the ... Congress and of All Departments of the Government of the United States for the Period from ... to ... by : United States. Superintendent of Documents
Download or read book Catalogue of the Public Documents of the ... Congress and of All Departments of the Government of the United States for the Period from ... to ... written by United States. Superintendent of Documents and published by . This book was released on with total page 2660 pages. Available in PDF, EPUB and Kindle. Book excerpt:
Book Synopsis Your Home Loan Toolkit by : Consumer Financial Consumer Financial Protection Bureau
Download or read book Your Home Loan Toolkit written by Consumer Financial Consumer Financial Protection Bureau and published by Createspace Independent Publishing Platform. This book was released on 2016-03-22 with total page 26 pages. Available in PDF, EPUB and Kindle. Book excerpt: Buying a home is exciting and, let's face it, complicated. This booklet is a toolkit that can help you make better choices along your path to owning a home.
Book Synopsis Texas Foreclosure Manual, Third Edition by : William H. Locke
Download or read book Texas Foreclosure Manual, Third Edition written by William H. Locke and published by . This book was released on 2014-05-02 with total page 1198 pages. Available in PDF, EPUB and Kindle. Book excerpt:
Book Synopsis Introduction to Public Housing by : Maggie McCarty
Download or read book Introduction to Public Housing written by Maggie McCarty and published by Lulu.com. This book was released on 2015-10-18 with total page 0 pages. Available in PDF, EPUB and Kindle. Book excerpt: This report serves as an introduction to the federal public housing program. It provides information on the history of the program, how it is administered and funded, and the characteristics of public housing properties and the households they serve. While it introduces current policy issues, a full analysis of those issues and discussion of current legislation is not included in this report.
Book Synopsis Catalogue of the Public Documents of the [the Fifty-third] Congress [to the 76th Congress] and of All Departments of the Government of the United States by : United States. Superintendent of Documents
Download or read book Catalogue of the Public Documents of the [the Fifty-third] Congress [to the 76th Congress] and of All Departments of the Government of the United States written by United States. Superintendent of Documents and published by . This book was released on 1896 with total page 2662 pages. Available in PDF, EPUB and Kindle. Book excerpt:
Book Synopsis Consumer Bankruptcy Law and Practice: Appendix A. Bankruptcy statues by : Henry J. Sommer
Download or read book Consumer Bankruptcy Law and Practice: Appendix A. Bankruptcy statues written by Henry J. Sommer and published by . This book was released on 2012 with total page 1438 pages. Available in PDF, EPUB and Kindle. Book excerpt:
Author :United States. Congress. Senate. Committee on Governmental Affairs. Subcommittee on Intergovernmental Relations Publisher : ISBN 13 : Total Pages :828 pages Book Rating :4.:/5 (318 download)
Book Synopsis Amendments to the Uniform Relocation Assistance and Property Acquisition Policies Act of 1970 by : United States. Congress. Senate. Committee on Governmental Affairs. Subcommittee on Intergovernmental Relations
Download or read book Amendments to the Uniform Relocation Assistance and Property Acquisition Policies Act of 1970 written by United States. Congress. Senate. Committee on Governmental Affairs. Subcommittee on Intergovernmental Relations and published by . This book was released on 1980 with total page 828 pages. Available in PDF, EPUB and Kindle. Book excerpt:
Author :United States. Congress. Senate. Office of Management and Budget. Executive Office of the President Publisher : ISBN 13 :9780160936340 Total Pages :1780 pages Book Rating :4.9/5 (363 download)
Book Synopsis 2016 Catalog of Federal Domestic Assistance by : United States. Congress. Senate. Office of Management and Budget. Executive Office of the President
Download or read book 2016 Catalog of Federal Domestic Assistance written by United States. Congress. Senate. Office of Management and Budget. Executive Office of the President and published by . This book was released on 2016 with total page 1780 pages. Available in PDF, EPUB and Kindle. Book excerpt: Identifies and describes specific government assistance opportunities such as loans, grants, counseling, and procurement contracts available under many agencies and programs.
Book Synopsis Home Ownership by : United States. General Accounting Office
Download or read book Home Ownership written by United States. General Accounting Office and published by . This book was released on 1990 with total page 104 pages. Available in PDF, EPUB and Kindle. Book excerpt: